LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,645
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,469
−HK$1,854/mo
Today · 4.125%
HK$62,323
baseline
▲ 0.50% · 4.625%
HK$66,115
+HK$3,792/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,646/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,242
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,992
−HK$1,775/mo
Today · 4.125%
HK$68,767
baseline
▲ 0.50% · 4.625%
HK$72,392
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,534/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,374
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,563
−HK$2,224/mo
Today · 4.125%
HK$74,787
baseline
▲ 0.50% · 4.625%
HK$79,338
+HK$4,551/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,574/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,291
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,390
−HK$2,131/mo
Today · 4.125%
HK$82,521
baseline
▲ 0.50% · 4.625%
HK$86,870
+HK$4,349/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,042/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,103
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,657
−HK$2,595/mo
Today · 4.125%
HK$87,252
baseline
▲ 0.50% · 4.625%
HK$92,561
+HK$5,309/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$174,504/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,339
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,789
−HK$2,485/mo
Today · 4.125%
HK$96,274
baseline
▲ 0.50% · 4.625%
HK$101,349
+HK$5,075/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$192,548/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,561
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,845
−HK$3,336/mo
Today · 4.125%
HK$112,181
baseline
▲ 0.50% · 4.625%
HK$119,007
+HK$6,826/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,362/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,093,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,436
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,586
−HK$3,195/mo
Today · 4.125%
HK$123,781
baseline
▲ 0.50% · 4.625%
HK$130,305
+HK$6,524/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,562/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,093,046 · Scale 2, in force from 26 Feb 2026)